Civic Intelligence

State Chartered Credit Union in Nc

EIN 56-6045330 • 501(c)14 • Waynesville, NC

View Organization Page

Profile

State chartered credit union

PO Box 1440Waynesville, NC 28786

www.wncccu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

19th percentile

0.83x

Higher debt load relative to assets than 19% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

84th percentile

19.43x

Higher debt load relative to revenue than 84% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Net Margin

57th percentile

14%

Higher net margin than 57% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

16th percentile

$111,938

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Asset Growth

71st percentile

4.9%

Faster asset growth than 71% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

48th percentile

9.5%

Faster revenue growth than 48% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets19th percentile

Assets

Down

$95,135,567

Down $6,510,627 (-6.4%) from 2023

Liabilities

Down

$79,128,932

Down $7,340,995 (-8.5%) from 2023

Net Assets

Up

$16,006,635

Up $830,368 (+5.5%) from 2023

Operations
Liabilities / Revenue84th percentileNet Margin57th percentile

Revenue

Up

$4,072,450

Up $654,251 (+19%) from 2023

Expenses

Up

$3,521,525

Up $595,443 (+20%) from 2023

Net Income

Up

$550,925

Up $58,808 (+12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth71st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2011: $67,542,684Liabilities 2011: $57,153,725Net Assets 2011: $10,388,9592011Assets 2012: $72,573,077Liabilities 2012: $61,660,530Net Assets 2012: $10,912,5472012Assets 2013: $73,467,778Liabilities 2013: $62,357,238Net Assets 2013: $11,110,5402013Assets 2014: $75,153,033Liabilities 2014: $63,645,138Net Assets 2014: $11,507,8952014Assets 2015: $77,176,298Liabilities 2015: $65,292,190Net Assets 2015: $11,884,1082015Assets 2016: $79,901,108Liabilities 2016: $67,647,022Net Assets 2016: $12,254,0862016Assets 2017: $81,020,181Liabilities 2017: $68,528,534Net Assets 2017: $12,491,6472017Assets 2018: $81,793,922Liabilities 2018: $69,136,848Net Assets 2018: $12,657,0742018Assets 2019: $82,717,800Liabilities 2019: $69,654,296Net Assets 2019: $13,063,5042019Assets 2020: $91,768,384Liabilities 2020: $78,081,992Net Assets 2020: $13,686,3922020Assets 2021: $101,870,713Liabilities 2021: $87,671,077Net Assets 2021: $14,199,6362021Assets 2022: $101,482,184Liabilities 2022: $86,444,148Net Assets 2022: $15,038,0362022Assets 2023: $101,646,194Liabilities 2023: $86,469,927Net Assets 2023: $15,176,2672023Assets 2025: $95,135,567Liabilities 2025: $79,128,932Net Assets 2025: $16,006,6352025

Highlighted filing

2025

Assets$95,135,567
Liabilities$79,128,932
Net Assets$16,006,635
Open 2025 Filing

Operations Trend

Revenue Growth48th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0Expenses 2011: $2,251,5152011Expenses 2012: $2,330,7592012Revenue 2013: $2,517,422Expenses 2013: $2,319,429Net Income 2013: $197,9932013Revenue 2014: $2,388,078Expenses 2014: $1,990,723Net Income 2014: $397,3552014Revenue 2015: $2,404,834Expenses 2015: $2,028,621Net Income 2015: $376,2132015Revenue 2016: $2,478,720Expenses 2016: $2,108,742Net Income 2016: $369,9782016Revenue 2017: $2,617,306Expenses 2017: $2,379,745Net Income 2017: $237,5612017Revenue 2018: $2,832,956Expenses 2018: $2,667,529Net Income 2018: $165,4272018Revenue 2019: $2,977,724Expenses 2019: $2,571,294Net Income 2019: $406,4302019Revenue 2020: $2,806,169Expenses 2020: $2,182,581Net Income 2020: $623,5882020Revenue 2021: $2,731,622Expenses 2021: $2,218,378Net Income 2021: $513,2442021Revenue 2022: $3,030,686Expenses 2022: $2,192,286Net Income 2022: $838,4002022Revenue 2023: $3,418,199Expenses 2023: $2,926,082Net Income 2023: $492,1172023Revenue 2025: $4,072,450Expenses 2025: $3,521,525Net Income 2025: $550,9252025

Highlighted filing

2025

Revenue$4,072,450
Expenses$3,521,525
Net Income$550,925
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$95,135,567
Liabilities
$79,128,932
Net assets
$16,006,635
Revenue
$4,072,450
Expenses
$3,521,525
Net income
$550,925
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.1$79.1$16.0$4.07$3.52$0.55
2023Summary only. Only limited summary data is available for this year.$102$86.5$15.2$3.42$2.93$0.49
2022Summary only. Only limited summary data is available for this year.$101$86.4$15.0$3.03$2.19$0.84
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$87.7$14.2$2.73$2.22$0.51
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$91.8$78.1$13.7$2.81$2.18$0.62
2019Summary only. Only limited summary data is available for this year.$82.7$69.7$13.1$2.98$2.57$0.41
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$81.8$69.1$12.7$2.83$2.67$0.17
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$81.0$68.5$12.5$2.62$2.38$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.9$67.6$12.3$2.48$2.11$0.37
2015Detailed filing. Detailed filing data is available for this year.$77.2$65.3$11.9$2.40$2.03$0.38
2014Detailed filing. Detailed filing data is available for this year.$75.2$63.6$11.5$2.39$1.99$0.40
2013Detailed filing. Detailed filing data is available for this year.$73.5$62.4$11.1$2.52$2.32$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$72.6$61.7$10.9$2.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.5$57.2$10.4$2.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Jan 24, 2026
Return Version
2025v4.0
Gross Receipts
$4,072,450
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$55,758,612$61,210,472▲ $5,451,860
Savings and Temporary Cash Investments$31,557,141$30,183,388▼ $1,373,753
Rtn Earn Endowment Incm Other Fnds$15,455,710$16,006,635▲ $550,925
Cash and Non-Interest-Bearing Accounts$966,142$1,382,290▲ $416,148
Land, Buildings, and Equipment, Net$1,418,091$1,355,142▼ $62,949
Prepaid Expenses and Deferred Charges$52,062$36,794▼ $15,268
Total Assets$90,687,896$95,135,567▲ $4,447,671
Other Assets Total$935,848$967,481▲ $31,633
Liabilities
Other Liabilities$74,832,658$78,592,211▲ $3,759,553
Accounts Payable and Accrued Expenses$399,528$536,721▲ $137,193
Total Liabilities$75,232,186$79,128,932▲ $3,896,746
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,455,710$16,006,635▲ $550,925
Total Liabilities and Net Assets / Fund Balance$90,687,896$95,135,567▲ $4,447,671

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$898,399$873,612$1,772,011
Equipment$101,418$287,531$388,949
Land$355,325-$355,325
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseTotal
William L RobertsCEOFT$111,938$111,938
Brenton FisherCFOFT$69,538$69,538

Board Members and Trustees

NameTitle
Randall CrawfordBod Chairman
Bobby CogdillDirector
Bridgette BrooksDirector
Janice HallDirector
Steve PlemmonsDirector
Bobby CappsBod Vice CHA
Roger WrightSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,412,576
Investment Income
$659,874
Other Revenue
$0
Change in Net Assets
$550,925
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,492,535
Salaries, Compensation, and Employee Benefits$1,028,990
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$1,274,866--$1,274,866
Other Salaries and Wages$548,000--$548,000
Other Employee Benefits$229,639$13,377-$243,016
Current Officers, Directors, Trustees, and Key Employees$181,476--$181,476
All Other Expenses$133,883--$133,883
Information Technology$122,319--$122,319
Depreciation Depletion$86,877--$86,877
Occupancy$81,683--$81,683
Advertising$67,618--$67,618
Other Expenses$64,732--$64,732
Payroll Taxes$42,615$13,883-$56,498
Insurance$49,404--$49,404
Fees for Services Accounting$18,097--$18,097
Fees for Services Legal$7,476--$7,476
Travel$116$6,306-$6,422
Conferences and Meetings-$5,359-$5,359
Total Functional Expenses$3,482,600$38,925$0$3,521,525
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS SHARE\SAVINGS ACCOUNTS$78,592,211
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Wnc community credit union's membership is made up of anyone living or working in haywood or jackson county, nc and is approved by a credit union employee and maintains a minimum balance in a share savings account.”

Form 990, Page 6, Part VI, Line 7A

“At the annual business meeting of the credit union, the members elect members to the board of directors.”

Form 990, Page 6, Part VI, Line 11B

“The cpa who prepares the form 990 reviews the return with the ceo and/or cfo prior to the return being e-filed. The ceo reports the filing of the form 990 to the board.”

Form 990, Page 6, Part VI, Line 12C

“Each year a supervisory audit or a financial statement audit is conducted. As part of the procedures for these audits, the conflict of interest policy is reviewed and a determination is made as to whether the policy is enforced and functioning.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors is responsible for the compensation of the ceo. They are provided with documentation regarding the compensation levels of other area credit unions. They utilize this information to make an independent and informed decision regarding the compensation awarded to the ceo.”

Form 990, Page 6, Part VI, Line 15B

“For other officers and other key employees, the board also makes an informed decision concerning their compensation amounts. They are provided with comparable levels of compensation from other credit unions in north carolina. From this information they vote to approve compensation awarded to officers and other key employees.”

Form 990, Page 6, Part VI, Line 19

“The organizing documents, conflict of interest policy and financial statements are avaialable to the public upon request.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Union in Nc
EIN
56-6045330
Phone
8284561840
Address
PO BOX 1440, WAYNESVILLE, NC 28786
Doing Business As
Wnc Community Credit Union

Signing Officer

Name
William L Roberts
Title
CEO
Phone
8284561840
Signed
2026-01-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William L Roberts
Formed
1946
Legal Domicile
Nc
Voting Board Members
7
Independent Board Members
7
Employees
15

Preparer

Firm
Ray Bumgarner Kingshill & Assoc Pa
Address
385 N HAYWOOD ST STE 3, WAYNESVILLE, NC 28786
Preparer
Alisa J Brown
Phone
8284524734
Raw XML Appendix356 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 1440
IRS990/BooksInCareOfDetail/USAddress/CityNm0WAYNESVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd028786
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/CYTotalRevenueAmt04072450
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IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt086877
IRS990/DepreciationDepletionGrp/TotalAmt086877
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IRS990/ForeignFinancialAccountInd0false
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IRS990/Form990PartVIISectionAGrp/TitleTxt1CFO
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990/OtherExpensesGrp/Desc1DATA PROCESSING FEES
IRS990/OtherExpensesGrp/Desc2MISC. OPERATING
IRS990/OtherExpensesGrp/Desc3STATIONARY & SUPPLIES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1364278
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1364278
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt0287531
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0388949
IRS990ScheduleD/LandGrp/BookValueAmt0355325
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0WNC COMMUNITY CREDIT UNION'S MEMBERSHIP IS MADE UP OF ANYONE LIVING OR WORKING IN HAYWOOD OR JACKSON COUNTY, NC AND IS APPROVED BY A CREDIT UNION EMPLOYEE AND MAINTAINS A MINIMUM BALANCE IN A SHARE SAVINGS ACCOUNT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AT THE ANNUAL BUSINESS MEETING OF THE CREDIT UNION, THE MEMBERS ELECT MEMBERS TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CPA WHO PREPARES THE FORM 990 REVIEWS THE RETURN WITH THE CEO AND/OR CFO PRIOR TO THE RETURN BEING E-FILED. THE CEO REPORTS THE FILING OF THE FORM 990 TO THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH YEAR A SUPERVISORY AUDIT OR A FINANCIAL STATEMENT AUDIT IS CONDUCTED. AS PART OF THE PROCEDURES FOR THESE AUDITS, THE CONFLICT OF INTEREST POLICY IS REVIEWED AND A DETERMINATION IS MADE AS TO WHETHER THE POLICY IS ENFORCED AND FUNCTIONING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS IS RESPONSIBLE FOR THE COMPENSATION OF THE CEO. THEY ARE PROVIDED WITH DOCUMENTATION REGARDING THE COMPENSATION LEVELS OF OTHER AREA CREDIT UNIONS. THEY UTILIZE THIS INFORMATION TO MAKE AN INDEPENDENT AND INFORMED DECISION REGARDING THE COMPENSATION AWARDED TO THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FOR OTHER OFFICERS AND OTHER KEY EMPLOYEES, THE BOARD ALSO MAKES AN INFORMED DECISION CONCERNING THEIR COMPENSATION AMOUNTS. THEY ARE PROVIDED WITH COMPARABLE LEVELS OF COMPENSATION FROM OTHER CREDIT UNIONS IN NORTH CAROLINA. FROM THIS INFORMATION THEY VOTE TO APPROVE COMPENSATION AWARDED TO OFFICERS AND OTHER KEY EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAIALABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04072450
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04072450
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IRS990/TravelGrp/ManagementAndGeneralAmt06306
IRS990/TravelGrp/ProgramServicesAmt0116
IRS990/TravelGrp/TotalAmt06422
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt045 CARRIAGE LANE
IRS990/USAddress/CityNm0CANTON
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028716
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IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.WNCCCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0WILLIAM L ROBERTS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08284561840
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-01-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNION IN NC
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0566045330
ReturnHeader/Filer/PhoneNum08284561840
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1440
ReturnHeader/Filer/USAddress/CityNm0WAYNESVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028786
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0561371036
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RAY BUMGARNER KINGSHILL & ASSOC PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0385 N HAYWOOD ST STE 3
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WAYNESVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd028786
ReturnHeader/PreparerPersonGrp/PhoneNum08284524734
ReturnHeader/PreparerPersonGrp/PreparationDt02026-01-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALISA J BROWN
ReturnHeader/ReturnTs02026-01-30T09:13:21-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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